There is an element of Skill, Smart Work, and of course Hard Work behind any Fortune.And Prudence definitely helps in making and hanging onto it.But there is really another big variable……call it Chance or Fate……a combination of events that might just never again be repeated.Perhaps they are unique events meant to happen to the individual,or its all just random…..Nothing illustrates this better than the following series of events from Ramkrishna Dalmia’s life.

Ramkrishna Dalmia grew up in penury in Calcutta during the 1930s’ Depression.He was twenty-two when his father died and he had to support his mother, grandmother, three sisters and his wife in a single room that he had rented for Rs 13 per month. He was desperate to get rich quickly.

He speculated in silver and lost and suffered the humiliation of defaulting on his debts. Declared insolvent, he became persona-non-grata in the bazzar. Read more of this post